P&C insurers face an array of complex issues in 2014, from determining liability for texting a driver who becomes involved in a crash, to lawyer-sponsored sites for adulterers.

News from Main Street America Group, Lockton, Pioneer Programs, Alliant Insurance Services and CCC Information Services

Nearly half of all Americans with employer-based health insurance plans say more money is being taken out of their paychecks for health insurance compared to a year ago, and 44% are facing higher out-of-pocket expenses, a survey reports.

Whether considering market dynamics or organizational functions, transformation may be the most important word for insurers in 2014, according to a Deloitte analysis. See six transformational questions that could shape insurers fortunes in the New Year.